National Conference on Public Employee Retirement Systems

The Voice for Public Pensions

Prudential Group Voluntary Term Life Insurance Program

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NCPERS offers a supplementary survivor's benefit and insurance program to enhance the financial security of the members of its participating retirement systems. The plan is uniquely designed to augment your retirement system's survivor benefits.

The plan is specially designed for retirement systems, to be offered to eligible members regardless of their health conditions, without any enrollment participation requirements (those active members that want it are assured of getting it), and they can carry this benefit into retirement. Most group life insurance benefits stop or are reduced at retirement. This plan may be continued for life at retirement.

This plan also offers a unique student loan benefit.  For members age 45 and under, Prudential will reimburse the amount of Student Loans members owe up to a maximum of $50,000, should the member become totally disabled and have an outstanding student loan balance.

The plan is available to retirement systems with options for either payroll deduction or direct billing to the member's home.

The plan is well designed and financially sound, with the plan reserves committed to maximize benefits to participants. Coverage is issued by The Prudential Insurance Company of America (Prudential)


For questions about the NCPERS Life Plan administration information including life insurance claims, coverage amounts, beneficiary issues and address changes, please contact the Plan's administrator Member Benefits, Inc. at 1-800-525-8056 or

For information about offering the NCPERS Life Plan for your retirement plan or a written proposal, please contact Shawn Adkins at 303.889.2780 or

For more details on this valuable plan, click the links below:

The NCPERS life insurance program is sponsored by NCPERS.  The life insurance program is issued by The Prudential Insurance Company of America (“Prudential”), Newark, NJ.   Membership in NCPERS is required for the Program.   Prudential, and not NCPERS, is solely responsible for administering the benefits under the policy.  The benefits under the policy are guaranteed by Prudential’s general account and are subject  to Prudential’s claims paying ability.
Public Employee Financial Protection Plan (formerly Group Decreasing Term Life Insurance, Dependent Group Decreasing Term Life Insurance, and Accidental Death & Dismemberment Insurance) is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, New Jersey. Contract Series: 83500.
This AD&D policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York Department of Financial Services.
The Plan is administered by Member Benefits, Inc. and Gallagher Benefit Services, Inc. which are not affiliates of Prudential.